Mortgage lending in Hamilton County, Tennessee
Lenders in Hamilton County, Tennessee reported 16,555 mortgage applications for 2025, according to the CFPB.
16,555 mortgage applications and 9,713 loans originated in 2025; the denial rate was 20.6% of 13,064 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Chattanooga, TN-GA MSA.
- 16,555
- Applications
- 9,713
- Loans originated
- 20.6%
- Denial rate
- 2,685 denied of 13,064 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 16,555 | 9,713 |
| 2024 | 15,223 | 8,843 |
| 2023 | 14,413 | 8,278 |
| 2022 | 19,844 | 11,949 |
| 2021 | 29,014 | 18,125 |
| 2020 | 27,136 | 17,031 |
| 2019 | 19,233 | 11,827 |
| 2018 | 16,724 | 9,859 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Tennessee Valley Federal C U | 678 | 1,184 |
| Rocket Mortgage | 644 | 877 |
| Regions Bank | 473 | 922 |
| Firstbank | 470 | 562 |
| Movement Mortgage, LLC | 354 | 524 |
| Union Home Mortgage Corp. | 341 | 465 |
| United Wholesale Mortgage | 322 | 465 |
| CMG Mortgage Inc | 317 | 443 |
| Truist Bank | 292 | 582 |
| First Horizon Bank | 195 | 305 |
| Pinnacle Bank | 190 | 257 |
| Summit Funding.inc | 186 | 301 |
| Kiavi Funding, Inc. | 161 | 193 |
| Builtwell Bank | 131 | 179 |
| Alameda Mortgage Corporation | 128 | 164 |
| Ark-LA-Tex Financial Services LLC | 128 | 180 |
| loanDepot.com LLC | 127 | 179 |
| Highlands Residential Mortgage, Ltd. | 126 | 177 |
| Smartbank | 123 | 166 |
| Mortgage Investors Group | 122 | 170 |
| Freedom Mortgage Corporation | 121 | 286 |
| Mortgage Research Center | 114 | 261 |
| Pennymac Loan Services LLC | 111 | 239 |
| Bank of America NA | 105 | 270 |
| Navy Federal Credit Union | 104 | 213 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 73 | 31.1% of 61 decided |
| Asian | 495 | 23.8% of 374 decided |
| Black or African American | 1,328 | 35.7% of 1,005 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 11,549 | 18.4% of 9,274 decided |
| 2 or more minority races | 24 | no rate: base under 50 |
| Joint | 320 | 16.9% of 231 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,745 | 21.7% of 2,088 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 748 | 26.4% of 569 decided |
| Not Hispanic or Latino | 12,691 | 20.0% of 10,127 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,815 | 22.4% of 2,131 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,647 | 22.4% of 4,422 decided |
| Female | 3,604 | 25.9% of 2,809 decided |
| Joint | 5,613 | 15.4% of 4,538 decided |
| Sex Not Available | 1,691 | 20.8% of 1,295 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 569 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved